​Rancho Bernardo is a large community made of two zip codes. The zip code 92127 of Rancho Bernardo is located west of the I-15, and north of Rancho Penasquitos. This side of Rancho Bernardo has newer communities such as 4S Ranch, Santaluz and Del Sur. Also for the community in 4S Ranch, a beautiful and newly built town center includes a Ralph's grocery store, Bed Bath and Beyond, Blockbuster and much more.

The other zip code 92128 of Rancho Bernardo is located east of the I-15, and north of Poway. This side of Rancho Bernardo offers beautiful communities such as Bernardo Heights, Carmel Mountain and Sabre Springs. In Carmel Mountain, there is a great neighborhood center Carmel Mountain Plaza which includes a TGI Friday's, Pacific Theaters, Best Buy and much more.